Health insurance is never fun.
It's more complicated than ever.
There is a silver lining though.
You get the tax credit right away.
That still leaves the question of how to pick the right plan for you.
Enter the PlanFinder!
We have had 10's of 1000's of conversations with people as they pick the best plan for their situation and budget.
Hours upon hours with every possible situation you can imagine.
Here's the deal...
We find ourselves asking the same questions through 90% of the conversations.
They're the right questions but very common.
The PlanFinder walks you through these key questions to give you guidance on how a pro looks at the question of picking the best plan.
You can access the PlanFinder above but feel free to contact us with any questions at 800-320-6269 or by email.
Here's the quick "How To"
Here's how to choose the best Covered Ca plan for your situation:
Let's look at each section in more detail.
It's all here.
All three sections are there and here's the approach.
For example, they may just want the lowest priced plan available (catastrophic health coverage).
They don't care about the other aspects...just monthly cost.
Okay then, in the PlanFinder, we direct these different groups to plans that are appropriate.
It takes about 15 minutes at most unless you really want to get into a sub page on a topic.
It's a great way for people to research on their own first.
You can always reach out to us for specific questions on your needs.
You'll be prompted to run a quote as part of the PlanFinder tool but you can do that here as well:
The quote is important since we're comparing plans and their COSTS!
It's a critical piece of the puzzle.
Maybe the most important.
It's THE deciding factor right now.
The tax credit is based on income estimate for the year and size of household.
You can find more information on the 2018 tax credit here.
The income piece can get tricky.
That's where we can help!
It's standardized now.
We have the following plan levels:
Section 2 deals with comparing these 4 levels.
We'll also break out the HSA plan to understand how it works.
This section is usually the most difficult for people.
In fact, it dictates the majority of our conversations.
The PlanFinder will go a long way towards helping you understand but definitely call us at 800-320-6269 or email us with any questions.
Once we figured out the tax credit and plan level piece, we need to make sure we like the doctors.
This is a big deal now since 2014.
The networks are smaller and we have to make sure our doctors are in the network.
We also need to like the network type.
This is EPO, PPO, and HMO.
They work very differently and the PlanFinder walks through how to compare these options against the premium difference.
It's the final step!
Doctor networks are available through the Covered Ca On-Exchange Quote but we also explain how to ask your doctors if they participate.
Finally, you'll have access to the tools you need:
All these tools make the PlanFinder invaluable.
Of course the biggest resource can be a friendly voice who can discuss your questions.
Call 800-320-6269 or email us.
Happy Plan Shopping!
"My sincere thanks for making a miracle happen- 2014 health insurance !! Many thanks for your expertise and advice yesterday !!"
"Thanks again for your help - I had absolutely no idea how to get this done when I got up this morning. You've made it remarkably easier than I expected. I hope you're not stuck at the office all night..."
"Anyway, I hope you got some time off this past week! Thank you again for your help and efforts on my behalf! I was very lucky to find you."
"I thank you very much for the time that you have invested in handling everything
"I truly appreciate the quick response and will think of you in the future if I need to make any changes to my insurance plans."
"You are awesome... takes a huge worry off my back, thank you for your kind. thanks for your time and kindness. !!"
"Wow, I can't thank you guys enough for your help...I couldn't imagine trying to tackle this on my own!"
"You are my new best friend. A HUGE thank you again.
On-Exchange Application for California Online
We can quickly (very important) size up your health insurance needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.
We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.
Call us...you will be Pleasantly Surprised. 800-320-6269
We'll quickly see if you have the best priced plan available and if you qualify for a tax credit800-320-6269
This website is owned and operated by Goodacre Insurance Services, which is solely responsible for its content. This site is not maintained by or associated with Covered California, and Covered California bears no responsibility for its content. The email address and phone numbers that appear throughout the site belong to Goodacre Insurance Services, and cannot be used to contact Covered California.